Average turnaround time for free rapid rescore is about 3business days.

Transunions call center has a department called the mortgage pending department. Its very important to know that this department is for mortgages only, and not other types of transactions. The borrower will first need to apply for a mortgage before calling Transunion. Transunion will see the credit inquiry from the lender, and proceed with the call. They will ask for closing date, brokers company, loan officers name, and phone numbers. Make sure you have this in front of you before you call!

Once you speak to a live agent, you will need to explain to them that you have a mortgage closing within X amount of days. Ask the live agent to be transferred to the mortgage pending department. Remember that not ever call center has a mortgage pending department. If this happens, the live agent will tell you to hang up and call again. Otherwise, they will transfer you to the mortgage pending department. This department will go ahead and ask you a series of questions. Basically, why are you disputing this item, who told you about us, when is your closing, etc.

Make sure to say that the lender told you about the department! Doing this type of credit repairing is quicker, and no cost to your borrowers.

Equifaxs live agents are able to handle these requests without being transferred. They call it the expedited process.

Make sure that you sound URGENT and/or DEMANDING on the phone. If you dont care about it being done neither will the agent.

There are a few ways of obtaining a free credit report without a creditor pulling it for you.

www.AnnualCreditReport.com is the primary source for all 3 agencies

Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281
http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf
(Make sure to print it out, and mail to the above address

877-322-8228 to order over the phone

You can receive a free copy of your credit file if:
you have been denied credit, insurance, or employment and request the report within 60 days of notice, or if you can prove that (1) youre unemployed and plan to look for a job within 60 days, (2) youre on welfare, or (3) fraud on your credit file

If you have already used annualcreditreport.com:

If you have a current copy with Equifax or Experian, you will be able to view your credit report by initiating a dispute. You will need a confirmation number that is less than 60days old. After disputing an item, make sure to keep the new confirmation number that is generated.

You will need to login to Transunions website, and initiate a dispute. They will allow you to view a current copy of your credit file.

*Please remember that annualcreditreport does not provide credit scores.

If youre tired of receiving offers from creditors you can go to www.OptOutPreScreen.com or call 1-888-5-OPTOUT (1-888-567-8688) to OPT OUT from receiving offers.

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